State of the World, 1984: a Worldwatch Institute Report on Progress Toward a Sustainable Society
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How Mpos Helps Food Trucks Keep up with Modern Customers
FEBRUARY 2019 How mPOS Helps Food Trucks Keep Up With Modern Customers How mPOS solutions Fiserv to acquire First Data How mPOS helps drive food truck supermarkets compete (News and Trends) vendors’ businesses (Deep Dive) 7 (Feature Story) 11 16 mPOS Tracker™ © 2019 PYMNTS.com All Rights Reserved TABLEOFCONTENTS 03 07 11 What’s Inside Feature Story News and Trends Customers demand smooth cross- Nhon Ma, co-founder and co-owner The latest mPOS industry headlines channel experiences, providers of Belgian waffle company Zinneken’s, push mPOS solutions in cash-scarce and Frank Sacchetti, CEO of Frosty Ice societies and First Data will be Cream, discuss the mPOS features that acquired power their food truck operations 16 23 181 Deep Dive Scorecard About Faced with fierce eTailer competition, The results are in. See the top Information on PYMNTS.com supermarkets are turning to customer- scorers and a provider directory and Mobeewave facing scan-and-go-apps or equipping featuring 314 players in the space, employees with handheld devices to including four additions. make purchasing more convenient and win new business ACKNOWLEDGMENT The mPOS Tracker™ was done in collaboration with Mobeewave, and PYMNTS is grateful for the company’s support and insight. PYMNTS.com retains full editorial control over the findings presented, as well as the methodology and data analysis. mPOS Tracker™ © 2019 PYMNTS.com All Rights Reserved February 2019 | 2 WHAT’S INSIDE Whether in store or online, catering to modern consumers means providing them with a unified retail experience. Consumers want to smoothly transition from online shopping to browsing a physical retail store, and 56 percent say they would be more likely to patronize a store that offered them a shared cart across channels. -
National Financial Inclusion Strategy
National Financial Inclu sion Strategy Summary Report Abuja, 20 January 2012 Financial Inclusion in Nigeria 14 Contents 1. Status Quo and Targets ____________________________________________________ 3 2. Scenarios, Operating Model and Regulatory Requirements ________________________ 40 3. Stakeholder Roles and Responsibilities _______________________________________ 58 4. Tracking Methodology _____________________________________________________ 83 5. Implementation Plan ______________________________________________________ 91 6 Conclusion _____________________________________________________________ 103 Financial Inclusion in Nigeria 2 1. Status Quo and Targets 1.1 Introduction to Financial Inclusion The purpose of defining a Financial Inclusion (FI) strategy for Nigeria is to ensure that a clear agenda is set for increasing both access to and use of financial services within the defined timeline, i.e. by 2020. Financial Inclusion is achieved when adults 1 have easy access to a broad range of financial products designed according to their needs and provided at affordable costs. These products include payments, savings, credit, insurance and pensions. The definition of Financial Inclusion is based on: 1. Ease of access to financial products and services Financial products must be within easy reach for all groups of people and should avoid onerous requirements, such as challenging KYC procedures 2. A broad range of financial products and services Financial Inclusion implies access to a broad range of financial services including payments, -
Submission to the Reserve Bank of Australia Response to EFTPOS
Submission to the Reserve Bank of Australia Response To EFTPOS Industry Working Group By The Australian Retailers Association 13 September 2002 Response To EFTPOS Industry Working Group Prepared with the assistance of TransAction Resources Pty Ltd Australian Retailers Association 2 Response To EFTPOS Industry Working Group Contents 1. Executive Summary.........................................................................................................4 2. Introduction......................................................................................................................5 2.1 The Australian Retailers Association ......................................................................5 3. Objectives .......................................................................................................................5 4. Process & Scope.............................................................................................................6 4.1 EFTPOS Industry Working Group – Composition ...................................................6 4.2 Scope Of Discussion & Analysis.............................................................................8 4.3 Methodology & Review Timeframe.........................................................................9 5. The Differences Between Debit & Credit .......................................................................10 5.1 PIN Based Transactions.......................................................................................12 5.2 Cash Back............................................................................................................12 -
Transaction Fees in Banking Machine Networks: a Spatial and Empirical Analysis
TRANSACTION FEES IN BANKING MACHINE NETWORKS: A SPATIAL AND EMPIRICAL ANALYSIS by ELIZABETH W. CROFT A THESIS SUBMITTED IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF DOCTOR OF PHILOSOPHY in THE FACULTY OF GRADUATE STUDIES Department of Commerce and Business Administration, Policy Programme We accept this thesis as conforming to the required standard. THE UNIVERSITY OF BRITISH COLUMBIA April 1999 © Elizabeth W. Croft, 1999 In presenting this thesis in partial fulfilment of the requirements for an advanced degree at the University of British Columbia, I agree that the Library shall make it freely available for reference and study. I further agree that permission for extensive copying of this thesis for scholarly purposes may be granted by the head of my department or by his or her representatives. It is understood that copying or publication of this thesis for financial gain shall not be allowed without my written permission. Department of Co^ rvxACQL -* r__>QXj (j[ JUv^k The University of British Columbia Vancouver, Canada Date AfC\ > ZofW DE-6 (2/88) ABSTRACT This thesis concerns the effects of network member features on the pricing of automated teller machine (ATM) transactions. The first chapter outlines the development of ATM networks and provides an institutional and public policy backdrop for the theoretical and empirical analysis in the thesis. ATM fees have recently received increased attention in North America due to the Interac abuse of dominance case in Canada and the widespread introduction of surcharge fees at ATMs in the United States. In Chapter 2, a new circular spatial model of ATM networks is developed and used to analyze the pricing preferences of banks when choosing to link their proprietary ATM networks into a shared network. -
Indonesia Life Newsletter
MILLIMAN INDONESIA LIFE INSURANCE NEWSLETTER We are pleased to present the May 2020 edition of TABLE OF CONTENTS Milliman’s Indonesia Life Insurance Newsletter. Market performance 2 This edition covers developments during the period Market news 2 from 1 January 2020 to 31 March 2020. Regulatory developments 4 We trust you find this edition informative. As Distribution updates 4 always, we look forward to receiving your feedback, Other recent developments 4 questions or comments. Brian Colgan David Kong Halim Gunawan Richard Holloway Head of Life Insurance Consulting Actuary Country Manager Managing Director, South Consulting, Indonesia Singapore, Life Indonesia East Asia & India, Life 1 May 2020 MILLIMAN INDONESIA LIFE INSURANCE NEWSLETTER Market performance Market news INDUSTRY PERFORMANCE AT Q4 2019 NEW PRODUCTS According to the Indonesia Insurance Statistics published by The following new life insurance products were reported to the Financial Services Authority (OJK), the Indonesian life have been launched during Q1 2020: insurance industry made a larger after-tax loss in Q4 2019 PT Prudential Life Assurance (Prudential) launched compared to Q4 2018. The change over the period is PRUTotal Critical Protection, an innovative critical illness summarised below: rider for both conventional and Syariah business. The rider FINANCIALS offers protection against an unlimited number of critical (IN IDR TRILLION) Q4 2018 Q4 2019 % CHANGE illnesses, including undiscovered ones. The rider comes NET PREMIUM INCOME 180.60 179.35 -(1)% bundled with Prudential’s other rider benefits, PruCrisis INVESTMENT AND OTHER Cover Benefit 34/Plus61 with PruTotal Critical 5.64 3.43 -(39)% INCOME Protection and PRUEarly Stage Crisis Cover/Plus with TOTAL INCOME 186.25 182.78 (2)% PRUTotal Critical Protection, covering major critical illnesses-only and both major and minor critical illnesses with death cover, respectively. -
2 Welcome from Dr. Hand
Welcome from Dr. Caneva……………………………………………………….…………...…2 Welcome from Dr. Hand………………………….……………………….……………………..3 Band Camp Information………………………………………….……………………………...4 Contact Information………………………………………….………………………….…….…7 2021 Camp Schedule……………………………….……………………………………..……..8 Schedule for 2021 Season……………………………………………………..……..……..…..10 Rental Instrument Information………………………….…………….………………..……….11 Medical Emergency Permission Form………………….…………….………………..…..…...12 Media Release and Consent Form…………………………………………………..……….…13 Band Jacket Order Form……………………………….…….…………………….……...……14 Marching Band Photo Order Form……………….……….……………………………………15 Muncie Music Price List……………………………….……….………………………………15 Fall 2021 Class Registration Instructions……………………….………………………….…..16 Audition Information Concert Bands………………………………………………….……….17 1 June 1, 2021 To the Members of the 2021-22 Ball State Bands: It’s always a pleasure to write to the members (and future members) of the Ball State University Bands and welcome them to our band program. The Ball State Bands have a long and rich tradition of outstanding musical performances in the concert hall, as well as athletic venues. I’m certain that the time you spend in the BSU Band program will be both musically challenging and rewarding. Below, you will find information regarding membership in the “Pride of Mid-America” Marching Band, as well as audition information for the BSU Concert Ensembles. Participation in all of our bands is open to all students on the BSU campus. If you have friend who might not be a music major but would like to participate in a band at Ball State, please pass this information along to them. Our ensembles are open to all students regardless of their major. If you are a new member of the band, please understand that the entire band staff looks forward to meeting you and eagerly anticipates your participation in our band program. -
Nationally Approved Lenders, Visit
Together, America Prospers Active Single Family Housing Guaranteed Loan Program (SFHGLP) Lenders Maine Oregon Alabama Maryland Pennsylvania Alaska Massachusetts Puerto Rico Arizona Michigan Rhode Island Arkansas Minnesota South Carolina California Mississippi South Dakota Colorado Missouri Tennessee Connecticut Montana Texas Delaware Nebraska Utah Florida Nevada Vermont Georgia New Hampshire Virginia Hawaii New Jersey Washington Idaho New Mexico West Virginia Illinois New York Western Pacific Indiana North Carolina Wisconsin Iowa North Dakota Wyoming Kansas Ohio Kentucky Oklahoma Louisiana This list includes institutions that have recently originated a Single Family Housing Guaranteed Loan in the state listed. For a complete list of nationally approved lenders, visit https://www.rd.usda.gov/files/SFHGLDApprovedLenders.pdf. If you have a question regarding this list, contact the Single Family Housing Guaranteed Loan Program (SFHGLP) Lender and Partner Activities branch at [email protected]. Active Single Family Housing Guaranteed Lenders Alabama 1STwww.1stalliancelending.com ALLIANCE LENDING, LLC. ARCADIAwww.arcadialending.com FINANCIAL GROUP, LLC CAHABAwww.cahabamortgage.com HOME MORTGAGE, LLC A MORTGAGEwww.amortgageboutique.com BOUTIQUE, LLC ARK-LA-TEXwww.benchmark.us FINANCIAL SERVICES, LLC DBA CALCONwww.onetrusthomeloans.com MUTUAL MORTGAGE, LLC ACADEMYwww.academymortgage.com MORTGAGE CORPORATION ARMYwww.allincu.com AVIATION CENTER FEDERAL CREDIT CALIBERhttps://www.caliberhomeloans.com/ HOME LOANS, INC. UNION ACOPIA,www.acopiahomeloans.com -
Ringkasan Informasi Produk Danamon Lebih
RINGKASAN INFORMASI PRODUK DANAMON LEBIH DATA RINGKAS Penjelasan Produk Produk tabungan yang dikeluarkan oleh PT. Bank Danamon Indonesia, Tbk. (”Bank Danamon”) yang dimiliki oleh Nasabah perorangan, yang memiliki keuntungan antara lain memberikan manfaat Asuransi Meninggal Dunia karena Kecelakaan (Accidental Death Benefit) gratis. Produk Asuransi Meninggal Dunia karena Kecelakaan: 1. Early Personal Accident Protection adalah produk Asuransi Kecelakaan diri gratis, didesain khusus untuk diintegrasikan dengan tabungan Danamon LEBIH tanpa biaya tambahan. 2. Personal Accident Protection adalah Asuransi Kecelakaan Diri yang akan ditawarkan kepada seluruh pemegang rekening Danamon LEBIH untuk meningkatkan manfaat Early Personal Accident Protection mereka. Jenis Produk Tabungan Penerbit PT Bank Danamon Indonesia, Tbk Manfaat yang diperoleh Nasabah dengan membuka rekening Danamon LEBIH adalah : 1. Bebas Biaya Admin Nasabah tidak dikenakan biaya administrasi bulanan. 2. Cashback Atas Pembelanjaan Nasabah akan mendapatkan cashback dalam transaksi pembelanjaan sesuai dengan Syarat dan Ketentuan Danamon LEBIH (minimal Rp200.000 per transaksi dan akan mendapatkan cashback sebesar 5% atau maksimum Rp50.000 per bulan jika saldo rata-rata pada bulan berjalan Rp1 juta). 3. Transfer Lebih Murah Biaya transfer RTGS/SKN lebih murah melalui Danamon Online Banking 4. Gratis Asuransi Jiwa Nasabah akan berhak mendapatkan perlindungan asuransi kecelakaan secara gratis senilai Rp10 juta untuk 6 bulan pertama sejak tanggal pembukaan rekening. 5. Fitur Transaksi Terkini Nasabah dapat menikmati kemudahan layanan fitur transaksi terkini seperti fasilitas mobile banking (D-Mobile), internet banking (Danamon Onliine Banking), SMS Banking, ATM dan Hello Danamon untuk menambahkan kenyamanan Nasabah dalam bertransaksi di mana saja dan kapan saja. PT. Bank Danamon Indonesia,Tbk. Hal: 1/12 Terdaftar dan diawasi oleh Otoritas Jasa Keuangan RIP DL.v3 – 0416 A. -
Transmission Channels of Systemic Risk and Contagion in the European Financial Network
Transmission channels of systemic risk and contagion in the European financial network Article (Accepted Version) Gounopoulos, Dimitrios, Palalidis, Nikolaos, Kizys, Renatas and Koutelidakis, Yiannis (2015) Transmission channels of systemic risk and contagion in the European financial network. Journal of Banking and Finance, 61 (Supp.1). S36-S52. ISSN 0378-4266 This version is available from Sussex Research Online: http://sro.sussex.ac.uk/id/eprint/53347/ This document is made available in accordance with publisher policies and may differ from the published version or from the version of record. If you wish to cite this item you are advised to consult the publisher’s version. Please see the URL above for details on accessing the published version. Copyright and reuse: Sussex Research Online is a digital repository of the research output of the University. Copyright and all moral rights to the version of the paper presented here belong to the individual author(s) and/or other copyright owners. To the extent reasonable and practicable, the material made available in SRO has been checked for eligibility before being made available. Copies of full text items generally can be reproduced, displayed or performed and given to third parties in any format or medium for personal research or study, educational, or not-for-profit purposes without prior permission or charge, provided that the authors, title and full bibliographic details are credited, a hyperlink and/or URL is given for the original metadata page and the content is not changed in any way. http://sro.sussex.ac.uk Transmission Channels of Systemic Risk and Contagion in the European Financial Network* Nikos Paltalidis†, Dimitrios Gounopoulos, Renatas Kizys, Yiannis Koutelidakis Journal of Banking and Finance, Forthcoming Abstract We investigate systemic risk and how financial contagion propagates within the euro area banking system by employing the Maximum Entropy method. -
Working Paper 14/04
CFCM CENTRE FOR FINANCE, CREDIT AND MACROECONOMICS Working Paper 14/04 Complex Financial Networks and Systemic Risk: A Review Spiros Bougheas and Alan Kirman Produced By: Centre for Finance, Credit and Macroeconomics School of Economics Sir Clive Granger Building University of Nottingham University Park Nottingham NG7 2RD Tel: +44(0) 115 951 5619 Fax: +44(0) 115 951 4159 [email protected] Complex Financial Networks and Systemic Risk: A Review Spiros Bougheas School of Economics, University of Nottingham, UK Alan Kirman GREQAM, EHESS, Aix-Marseille University, France Abstract In this paper we review recent advances in financial economics in rela- tion to the measurement of systemic risk. We start by reviewing studies that apply traditional measures of risk to financial institutions. However, the main focus of the review is on studies that use network analysis paying special attention to those that apply complex analysis techniques. Appli- cations of these techniques for the analysis and pricing of systemic risk has already provided significant benefits at least at the conceptual level but it also looks very promising from a practical point of view. Keywords: Comlex Financial Systems, Networks, Systemic Risk 1 Introduction The 2007-2009 global financial crisis has painfully demonstrated how costly a systemic failure can be. Systemic events impose high costs on taxpayers as gov- ernments usually intervene by bailing out important institutions in an effort to ensure the survival of the financial system. Unfortunately, the implementation of such policies are also part of the causes of the next crisis. This is because they encourage opportunistic behavior by these same institutions in anticipa- tion of the government policies. -
Versi 01 - April 2021
Versi 01 - April 2021 RINGKASAN INFORMASI PRODUK Nama Penerbit Produk PT. Bank Permata Tbk Nama Produk PermataTabungan Bebas Tabungan yang menawarkan fleksibilitas bertransaksi perbankan setiap saat Deskripsi kepada Nasabah, serta menawarkan kemudahan dan kenyamanan bertransaksi perbankan yang dapat dinikmati kapan saja dan dimana saja. Bebas Biaya Keuntungan Produk bagi Bebas biaya tarik tunai di ATM Bank lain yang tergabung dalam Jaringan Nasabah ALTO, ATM Bersama, Prima dan VISA/PLUS yang tersebar di seluruh dunia (program hingga 31 December 2021) Bebas biaya transfer online ke Bank lain di seluruh Indonesia untuk saldo ≥ Rp5.000.000,- sebelum transaksi melalui PermataATM, PermataMobile, PermataNet dan PermataTel IVR.* Bebas biaya administrasi rekening bulanan untuk saldo rata-rata rekening di bulan sebelumnya ≥ Rp5.000.000,-. *Catatan: Fasilitas bebas biaya transfer online ke Bank lain tidak berlaku apabila transaksi dilakukan melalui PermataMini ATM dan terminal Electronic Channel Bank lain. Akses Luas dari PermataDebit Plus - Tarik tunai di seluruh jaringan ATM domestik dan luar negeri sesuai dengan logo jaringan yang terdapat pada tampak belakang PermataDebit Plus. - Transaksi belanja di seluruh merchant sesuai dengan logo jaringan yang terdapat pada tampak belakang PermataDebit Plus. Layanan Permatae-Banking - PermataMobile merupakan layanan mobile banking yang dapat diakses dari telepon selular. - PermataNet yang memberikan Layanan internet banking yang dapat diakses melalui website www.permatabank.com atau https://new.permatanet.com. - PermataATM yang memberikan kemudahan melakukan tarik tunai dan transaksi perbankan lainnya melalui ATM. - PermataTel yaitu Layanan call center di nomor 1500111. Layanan PermataTel dilengkapi dengan mesin swajawab (IVR – Interactive Voice Response) yang akan membantu menyelesaikan transaksi Anda dengan Kode Layanan Kilat atau bantuan Professional Agent. -
August 25, 2021
List of Financing and Lending Companies Registered with the SEC and their Online Lending Platforms as reported pursuant to SEC MC 19, series of 2019 August 25, 2021 Company Name Registration Number C.A. No. Online Lending Applications 1 9F Lending Philippines Incorporated CS201904471 2916 Pesoclick, Quickpeso, Amihan 2 Acom Consumer Finance Corporation CS201724897 1140 ACOM - Fast Cash Loan. Simple. 3 Aeon Credit Service (Philippines) Inc CS201300789 1055 Aeon Credit Service Mobile App 4 And Financing Corporation CS201840930 1187 LendPinoy 5 Armorak Lending Inc CS201908271 2988 Ayudas, Weloan 6 Asialink Finance Corporation A199711768 570 Asialink Mobile CRM App 7 Asiasource Financial Inc CS201412567 1085 MotorcycleLoan, QuickCash, UtangOnline 8 Cash Mart Asia Lending Inc. CS201610084 1849 Cash Mart mobile app 9 Cashbee Lending Services Inc. CS201912321 3041 Cashbee 10 Cashtrees Lending Corp CS202002428 3245 Happylend, Creditcash, Cashmore 11 Codeblock Lending Inc. CS201913681 3059 Kpeso, Opeso, OKpeso 12 Convenience Cash Lending Corp. 2020090002200-05 3319 Zada Cash 13 Creditable Lending Corporation CS201817516 2749 EasyPeso 14 DF Credit Lending Corporation CS202002430 3244 Funpera 15 Dolphin Lending Investor, inc. CS201911897 3037 PesoGO, Microloan 16 Easycash Lending Company, Inc CS20101882 640 Easycash 17 E-Borrow Lending Corp. 2020100002616-030 3333 Halika Cash 18 Elending Lending Inc. CS201912383 3044 Pocketcash 19 Excellent Era Lending Service Corp CS201913044 3056 Support FAMILYHAN CREDIT CORPORATION*with pending 20 case CS201503145 1692 FAMILYHAN CREDIT CORPORATION 21 FAST COIN LENDING CORP. CS20190000277 3140 Cashcow 22 Fcash Global Lending Inc CS201729284 1149 Fcash, Fast Cash, Fast Cash VIP Finance Technologies Inc. Doing Business under the 23 name of Pitacash CS201902369 1200 Pitacash 24 Fingertip Lending Corp CS2020070001053 3298 Takecash, Clever cash 25 First Digital Finance Corporation CS201516347 1101 FDFC, Balikbayad, Loan Ranger , Billease, 26 Flash Cash 101 Lending Corp.